PENGARUH PENDAPATAN ANGGOTA TERHADAP JUMLAH PERMINTAAN PEMBIAYAAN RUMAH TANPA UANG MUKA DI KOPERASI SYARIAH BENTENG MIKRO

Abstrak

Islamic cooperative is a business entitiy whose members are individuals or cooperative legal entities that base their activities on Islamic principles as well as people's economic movements based on the principle of family. The purpose of this study is to determine how the influence of member income on the number of requests for home financing without down payment and how much the number of requests for home financing without down payment in the Benteng Mikro Indonesia Islamic cooperative. The type of research in this quantitative study uses primary data by distributing questionnaires. The data analysis method uses the Classical Assumption Test which includes, Normality Test, Heteroscedasticity Test and Simple Regression Test including the t-test (partial) and the Correlation Test of Determination (R²). The results of this study conclude that member income has a significant influence on the number of requests for home financing without down payment in the Benteng Mikro Indonesia Islamic cooperative. Based on the Determination Coefficient (R²) it can be seen that the member income variable explains the home financing variable without down payment by 14.3% and the remaining 85.7% is determined or explained by other variables not included in this study.

Keywords: Income, Commers, Financing, Islamic cooperative.